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Question...

I am looking to renew my car insurance for a car i bought from first owner. 1. Are private companies like ICICI, Bajaj reliable or should i go for Nationalized companies only 2.I am getting different values for IDV since the prev owner insured for lesser amount. IDV would be 15% over ex-show room price today? Else pls guide on how to calculate IDV for insuring this year. Can i fix any IDV value that i like?( ICICI is allowing me to fix higher- wondering why)

Answer...

IDV is decided by the companies generally only if you have accecories which you want to get insured would have an additional IDV which then would be added to the total IDV. Why ICICI does the other way you need to consult an insurance agent for the same.

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Date : Jul 27, 2008

Question

I am looking to renew my car insurance for a car i bought from first owner. 1. Are private companies like ICICI, Bajaj reliable or should i go for Nationalized companies only 2.I am getting different values for IDV since the prev owner insured for lesser amount. IDV would be 15% over ex-show room price today? Else pls guide on how to calculate IDV for insuring this year. Can i fix any IDV value that i like?( ICICI is allowing me to fix higher- wondering why)

Answer

IDV is decided by the companies generally only if you have accecories which you want to get insured would have an additional IDV which then would be added to the total IDV. Why ICICI does the other way you need to consult an insurance agent for the same.